Withdraw your credit/Gift card money to your bank account without any fees
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trick to withdraw your credit card money to your bank account without any fees
Download Citrus cash application
load money upto 3000 from your credit card
wait for 1 day
next day withdraw your money to your bank account.
it takes 1 day max to reach your bank account.
good think u can withdraw your cashback as well without any fee
NOTE: its a tried & tested method. please dont ask for screenshots. i m giving u the link below for T&C
source is citrus page only.
check urself
http://www.citruspay.com/citruscashfaqs.html#Wi...
@cybertechie wrote:
Last time i checked my CIBIL score, i was surprised by the amount of data CIBIL maintains. They had details of all my credit cards , Ready credit accounts etc. In-fact they also the data of the exact amount of payment i was making towards each of these cards every month.I would not be very surprised if ITD has access to these data as well
CIBIL shares these records with banks for minimal transaction fees. So ITD can also have access to these. Just PAN Card is enough to link all these. 
@dd2014 wrote:
where can i see my cibil score free ?
my sbi card rejected because of low cibil score.
https://www.cibil.com/online/credit-score-ch...do
Take small loans & repay in time… One of the many methods to increase score…
@dimepincher wrote:@dd2014 wrote:
where can i see my cibil score free ?
my sbi card rejected because of low cibil score.
https://www.cibil.com/online/credit-score-ch...do
Take small loans & repay in time… One of the many methods to increase score…
i took loan from my bank in march 90k as cash on call and give 1 emi of that loan.
@dd2014 wrote:@dimepincher wrote:@dd2014 wrote:
where can i see my cibil score free ?
my sbi card rejected because of low cibil score.
https://www.cibil.com/online/credit-score-ch...do
Take small loans & repay in time… One of the many methods to increase score…
i took loan from my bank in march 90k as cash on call and give 1 emi of that loan.
Complete the emi cycle. Wait for a couple of months. Then try to get your CIBIL score.
means till july e.m.i ??
@dd2014 wrote:
means till july e.m.i ??
Pay up the loan completely thru EMI (don’t pay lumpsum). Then wait for couple of months before checking CIBIL score.
@dimepincher wrote:
:-?@dd2014 wrote:
means till july e.m.i ??
Pay up the loan completely thru EMI (don’t pay lumpsum). Then wait for couple of months before checking CIBIL score.
but i took 90,000 for 4 years loan.
@dd2014 wrote:@dimepincher wrote:
:-?@dd2014 wrote:
means till july e.m.i ??
Pay up the loan completely thru EMI (don’t pay lumpsum). Then wait for couple of months before checking CIBIL score.
but i took 90,000 for 4 years loan.
Bro, his advice remains good regardless of the tenure for the loan. If, however, you want a “quicker” jump in your credit score, first get your credit report using the link I provided and then contact me privately.
Note to others: This is a one-off offer only for @dd2014; please don’t PM me with your credit troubles.
CIBIL score also goes down when you get too many credit enquiries from banks. For example, last year i was applying for a airline credit card. I spoke to a few banks and all of them enquired with CIBIL resulting in my score dipping by almost 50 points. CIBIL also depends on the ratio of secure loan and un secure loan. Too many unsecured loan also brings down the CIBIL Score. A secure loan like home , auto loan is a good way to up your CIBIlL score.
@DealSeeker wrote:@dd2014 wrote:@dimepincher wrote:
:-?@dd2014 wrote:
means till july e.m.i ??
Pay up the loan completely thru EMI (don’t pay lumpsum). Then wait for couple of months before checking CIBIL score.
but i took 90,000 for 4 years loan.
Bro, his advice remains good regardless of the tenure for the loan. If, however, you want a “quicker” jump in your credit score, first get your credit report using the link I provided and then contact me privately.Note to others: This is a one-off offer only for @dd2014; please don’t PM me with your credit troubles.
Plz help me get my credit score improved too ;; i cant spend rs500 to get a report though 
@ishandon wrote:@DealSeeker wrote:@dd2014 wrote:@dimepincher wrote:
:-?@dd2014 wrote:
means till july e.m.i ??
Pay up the loan completely thru EMI (don’t pay lumpsum). Then wait for couple of months before checking CIBIL score.
but i took 90,000 for 4 years loan.
Bro, his advice remains good regardless of the tenure for the loan. If, however, you want a “quicker” jump in your credit score, first get your credit report using the link I provided and then contact me privately.Note to others: This is a one-off offer only for @dd2014; please don’t PM me with your credit troubles.
Plz help me get my credit score improved too ;; i cant spend rs500 to get a report though
Are you a student???
Yup
@soccergiants wrote:@ishandon wrote:@DealSeeker wrote:@dd2014 wrote:@dimepincher wrote:
:-?@dd2014 wrote:
means till july e.m.i ??
Pay up the loan completely thru EMI (don’t pay lumpsum). Then wait for couple of months before checking CIBIL score.
but i took 90,000 for 4 years loan.
Bro, his advice remains good regardless of the tenure for the loan. If, however, you want a “quicker” jump in your credit score, first get your credit report using the link I provided and then contact me privately.Note to others: This is a one-off offer only for @dd2014; please don’t PM me with your credit troubles.
Plz help me get my credit score improved too ;; i cant spend rs500 to get a report though
Are you a student???
@ishandon wrote:
Yup
@soccergiants wrote:@ishandon wrote:@DealSeeker wrote:@dd2014 wrote:@dimepincher wrote:
:-?@dd2014 wrote:
means till july e.m.i ??
Pay up the loan completely thru EMI (don’t pay lumpsum). Then wait for couple of months before checking CIBIL score.
but i took 90,000 for 4 years loan.
Bro, his advice remains good regardless of the tenure for the loan. If, however, you want a “quicker” jump in your credit score, first get your credit report using the link I provided and then contact me privately.Note to others: This is a one-off offer only for @dd2014; please don’t PM me with your credit troubles.
Plz help me get my credit score improved too ;; i cant spend rs500 to get a report though
Are you a student???
Toh kya karoge CIBIL leke.
Without any source of Income who will give you Credit limit or Loan.
I will explain you everybody again, how beautiful this method is.
Assume, everybody knows that there is a 2.5 % charge on cash withdrawal from credit card in ATM. Suppose you withdraw 3000/- Rs. from ATM, it attracts following charges. 2.5 % of 3000 ie 75/- + 13 % tax, edu cess ie. 9.75/- total approxx 85/- Rs. additional charges for cash withdrawal of 3000/- Rs. from ATM. Multiply by 12. So comes to Rs. 1020 /- in a year. So, if this CITRUS CASH free withdrawl of 3000 continues for even a year, you enjoy freedom of Rs. 1020/-
Now imagine what can you do with this FREE LOAN of Rs. 3000/- withdrawn from Citrus cash every month. Either start a SIP in Mutual fund of Rs. 3000/- every month or invest id Recurring deposit every month. Considering interest of minimum 10% p.a., you get a cumulative amount of about Rs. 39737/- at the end of 1 year. Mutual fund sip may fetch higher returns.
Now coming to total savings. Rs. 9737/- from your RD interest of 1 year + Rs. 1020/- from your FREE LOAN from credit card every month. Total savings = 10759/- Rs.
So, finally an effortless income of Rs. 10759/- with the advantage of FREE BORROWING OF MONEY FROM CREDIT CARD.
in a haste i bought 10000 amex cards gift cash ,with axis bank gift card.(total 8 % gain)
real problem is
i mostly use mobikwik(10 percent cash) , paytm with cashbacks
no flipkart, noo snapdeal, amazon rarely in lighting deals,
dont go petrol bunks for petrol because my office has direct linkup with local bunks and they fill my tank.
i dont go to bigbazaar, reliance fresh, more because dmart beats them in many price tags .
how can i make most out of amex gift cards , i dont know who is ready to scratch my 2 5K amex cards and liquidate
any suggestions senior dimers .
@vamshi11 wrote:
in a haste i bought 10000 amex cards gift cash ,with axis bank gift card.(total 8 % gain)
real problem is
i mostly use mobikwik(10 percent cash) , paytm with cashbacks
no flipkart, noo snapdeal, amazon rarely in lighting deals,
dont go petrol bunks for petrol because my office has direct linkup with local bunks and they fill my tank.
i dont go to bigbazaar, reliance fresh, more because dmart beats them in many price tags .
how can i make most out of amex gift cards , i dont know who is ready to scratch my 2 5K amex cards and liquidate
any suggestions senior dimers .
use those amex cards to buy axis on amazon
you can use axis cards anywhere outside.
worst case scenario, some shopkeeper should be able to deduct 2-3% and give you cash
EDIT: but you may be the convict for money laundering 
I think I noticed some credit counseling services after moving back to India. You can pay them to guide you to improve your score. Moreover, there is tons of general information available just a Google search away. As @soccergiants suggested, first pay Rs.500 to get your CIBIL score/report. Read the negative factors, then search online for how to improve on those factors. https://www.cibil.com/online/credit-score-ch...do
All the best!
By the way, take your credit report/score very seriously. In the US, everything from your loan eligibility, loan interest rate, car/house insurance premium rates, to even your apartment rent and security deposit is calculated based on your credit report/score. Based on my experience, all of the financial practices are slowly, but surely, getting imported and implemented in India. So it’s only a matter of time before somebody’s credit score/report is treated as the all important factor for determining someone’s financial standing. Now with the implementation of Aadhar (India’s equivalent of the social security number (SSN) in the US), this change will be accelerated.